Data Scientist - Credit Risk
IND-Pune-Equifax Analytics-PTEC
Equifax
Get credit reports and credit scores for businesses and consumers from Equifax today! We also have identity protection tools with daily monitoring and alertsEquifax is where you can power your possible. If you want to achieve your true potential, chart new paths, develop new skills, collaborate with bright minds, and make a meaningful impact, we want to hear from you.
What You’ll Do
Develop market leading statistical models for the credit reference agency part of the Equifax UK business e.g. Risk Navigator credit bureau scores, collections scores, fraud models, other risk scores, affordability solutions, income verification products and solutions to identify consumer vulnerability
Utilise and blend all available data sources to ensure all models are highly predictive and market leading - consumer bureau, postcode insights, open source data & transactional insights
Apply traditional model development techniques and approaches (e.g. linear & logistic regression) as well as adopting new AI/ML techniques such as gradient boosting, random forests, clustering, etc.
Utilise the latest cloud based technologies and analytical tooling to support test and learn champion/challenger approaches towards new scores and models
Consider the creation of new characteristics/attributes to improve and maximise the predictive power of the model(s) as well as enhancing and creating other analytical products and services
Investigate and apply appropriate segmentation and sub-populations to maximise overall model & score performance
Liaise with internal stakeholders in a timely and effective manner towards the delivery of new scores and products e.g. Product Managers, Model Risk Management, Pre-Sales, Consultancy, Compliance, Technology, Data & Analytics, etc.
Work closely with Data Scientists and analytical teams globally across the Equifax business to share best practice and learnings
Adhere to relevant model development policies and procedures towards a successful deployment of scores and models e.g. sample design, good/bad definitions, rationale for exclusions, model development, model validation, implementation, etc.
Produce suitable documentation alongside the statistical development of the model(s)
What experience you need
5+ Years Extensive experience developing statistical models and scores across the consumer lending cycle e.g. application scores/models, behavioral scores, collections & recoveries models, fraud, etc.
Highly numerate with a relevant degree
Use of relevant analytical tooling on a day-to-day basis e.g. Python, BigQuery, Jupyter Notebook, SQL, etc.
Previous experience of developing regression models and scores - linear and logistic
Day to day exposure to large/complex datasets, analytical tools, spreadsheets, analytical platforms, etc.
Experience using credit bureau data in statistical models - raw and summarised data
Able to extract data from multiple platforms and create master datasets towards the development of statistical models
A team player, effective communicator with the ability to work unsupervised
What could set you apart
Experience of developing AI/ML based solutions and models
Day to day use of G-Suite tooling, GCP and VertexAI
Experience of working in a credit reference agency and/or client environment e.g. Banking, Lending, Insurance, Public Sector, Utilities, etc.
Use of alternative data such as open banking transactional data in statistical models
Experience of working in a product development environment
Experience with standard product testing procedures (UAT, OAT, regression, etc.)
Adoption of champion/challenger approaches and techniques
Creative and innovative thinker
Strong track record of delivery
Team player with the ability to go above and beyond
We offer a hybrid work setting, comprehensive compensation and healthcare packages, attractive paid time off, and organizational growth potential through our online learning platform with guided career tracks.
Are you ready to power your possible? Apply today, and get started on a path toward an exciting new career at Equifax, where you can make a difference!
Primary Location:
IND-Pune-Equifax Analytics-PECFunction:
Function - Data and AnalyticsSchedule:
Full time* Salary range is an estimate based on our AI, ML, Data Science Salary Index 💰
Tags: Banking BigQuery Clustering Credit risk GCP Jupyter Machine Learning ML models Open Source Python SQL Statistics Testing Vertex AI
Perks/benefits: Career development Gear
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